Atlantic City, NJ BAH Rates (2025)
Basic Allowance for Housing (BAH) for Atlantic City, NJ in 2025 ranges from $1,968 to $4,098 per month, depending on your pay grade and whether you have dependents. BAH is tax-free.
The table below shows the full 2025 monthly BAH rates for Atlantic City, NJ (Military Housing Area NJ196) for every pay grade, both with and without dependents.
| Pay grade | With dependents | Without dependents |
|---|---|---|
| E-1 | $2,466 | $1,968 |
| E-2 | $2,466 | $1,968 |
| E-3 | $2,466 | $1,968 |
| E-4 | $2,466 | $1,968 |
| E-5 | $2,541 | $2,238 |
| E-6 | $3,153 | $2,391 |
| E-7 | $3,303 | $2,478 |
| E-8 | $3,462 | $2,667 |
| E-9 | $3,639 | $2,847 |
| W-1 | $3,177 | $2,454 |
| W-2 | $3,369 | $2,664 |
| W-3 | $3,564 | $2,871 |
| W-4 | $3,669 | $3,186 |
| W-5 | $3,795 | $3,339 |
| O-1E | $3,330 | $2,538 |
| O-2E | $3,537 | $2,808 |
| O-3E | $3,684 | $3,147 |
| O-1 | $2,619 | $2,388 |
| O-2 | $3,147 | $2,520 |
| O-3 | $3,558 | $2,931 |
| O-4 | $3,837 | $3,309 |
| O-5 | $4,029 | $3,399 |
| O-6 | $4,065 | $3,546 |
| O-7 | $4,098 | $3,612 |
For example, an E-5 in Atlantic City, NJ receives $2,541/month with dependents or $2,238/month without. An O-3 receives $3,558 / $2,931.
See your full take-home pay for Atlantic City, NJ — pre-loaded with this location, plus basic pay, BAS, and taxes.
Calculate my Atlantic City pay →How BAH works in Atlantic City, NJ
BAH is set by the cost of rental housing in the Atlantic City, NJ Military Housing Area, your pay grade, and your dependent status. It is paid monthly and is not taxed. Higher ranks and members with dependents receive more. Because it reflects local rents, Atlantic City, NJ's rates differ from other locations — compare yours in the calculator.
These are the official 2025 rates (the latest complete public dataset). 2026 BAH rose about 4.2% on average nationwide; for an exact current figure, enter your ZIP in the military pay calculator or check the DoD BAH lookup. Learn more in our 2026 BAH guide.
Other BAH rates in New Jersey
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Frequently asked questions
How much is BAH in Atlantic City, NJ for an E-5?
In 2025, BAH for an E-5 in Atlantic City, NJ is $2,541/month with dependents and $2,238/month without dependents.
How much is BAH for an E-7 in Atlantic City, NJ?
An E-7 in Atlantic City, NJ receives $3,303/month with dependents ($2,478 without) in 2025.
Is BAH in Atlantic City, NJ taxable?
No. BAH is not subject to federal income tax, so you keep the full amount.